Frequently Asked Questions

A general rule is that your monthly housing costs (including mortgage, taxes, and insurance) should not exceed 28% of your gross monthly income. However, this varies based on your debt-to-income ratio, credit score, and down payment. Our mortgage calculator can help you estimate, and we recommend getting pre-approved to know your exact budget.

Your home's value is determined by recent comparable sales in your area, your home's condition and features, current market conditions, and location factors. We provide a free Comparative Market Analysis (CMA) that examines these factors to give you an accurate price range. Online estimates are a starting point but often miss important nuances.

Closing is when ownership officially transfers. You'll review and sign numerous documents, including the deed and mortgage paperwork. The buyer brings certified funds for down payment and closing costs. The seller receives proceeds after paying off their mortgage and fees. Closings typically take 1-2 hours and are conducted by a closing attorney or title company.

We serve all of Rhode Island, with particular expertise in Providence, Cranston, Warwick, Newport, Barrington, Bristol, East Greenwich, and surrounding communities. Our agents have deep local knowledge of neighborhoods, schools, and market conditions throughout the state.